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    • The latest polls say otherwise    Party support: 3 June 2024   LAB 45% (40-50%) CON 24% (19-29%) REF 11% (8-14%) LD 10% (7-13%) GRN 5% (2-8%) SNP 3% (2-4%) PC 1% (<1-2%)
    • Oh, one other thing. It may sound a silly question, but as they say - silly questions are better than silly mistakes. The correspondence address in the current case and the previous one is correct and current. I've never actually written to the banks to confirm my address, as is regularly advised, because I presumed if Moriarty/IDR/J&P are using that address, there would be no need to. So because both cases seem to have my address correct, should I still write to the bank or take it that there's no need in this instance?
    • Yep, that's it @dx100uk - thanks for the clarification. My bad... Cheers again for all your help 👍
    • Hi all Just coming back to this Forum, as it helped me so much a few years back with ADCB/Moriarty. So I've had the circulars from IDR chasing Emirates NBD debt. They've been on and off over past few years, seem to be a run of letters, emails SMS and then go quiet, then start again.   A few months ago, same started with J&P, just a basic letter, email, sms asking to get in contact. Then last week I saw an email from Emirates NBD saying J&P were acting on their behalf. Up to this point, the main thrust of the letter seems to be please contact us, or contact ENBD about payment. Then I received a letter - I can't scan/upload it at this time but I will as soon as I can - which appears to be similar to what I've seen on other threads. Namely giving bank details of ENBD, saying they've been "instructed to pursue action", and saying they've enclosed a copy of Information Sheet, Reply Form in compliance of Pre-Action Protocol They state I have 30 days from date on letter to reply, and "if you fail to do so our client may have no option but to pursue further action against you". I'm of the view, as per advice on other threads and my experience with the other lender/company, to reply as per thread #5 in the main thread. On the basis that I wouldn't wish to give them ammunition by not replying or missing the opportunity. I'm aware that on some threads, in similar situation, one poster had been advised by sols not to reply and apparently J&P didn't progress from there, other than sending same requests. I feel these things are always down to the individual's choice, and I'm keen to see what others may have done/may be doing so will actively read other threads also.   Please feel free to ask if I can help with anything, or share any opinions, and in the meantime I'll get the uploads done ASAP.   Thanks again for everyone's help in the past, and hopefully the future, and good luck to all
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Companies claiming charges for you...


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Hi all,

 

In the space of 45 mins this morning, i've had 3 phone calls from the same company (didnt catch their name properly, think it was WES or something) from 3 different people asking me if i'd had bank charges.

 

The 1st one asked, i replied yes, they asked if i'd be interested in claiming them back and i replied i already was through CAG, the guy promptly hung up without saying thanks or bye or anything...

 

20 mins later caller number 2, she asks if i've had charges, i reply i'm already claiming mine back, she says thanks and hangs up.

 

20 mins later and its caller number 3's turn....ask if i've had bank charges, i reply yes and i'm interested in claiming them back. The woman then reads from a card infront of her what to say whilst i listen growing bored. I then asked her what the costs are for this "service" to which she replies....

 

40% :eek: :eek: :eek:

 

Forty bloody percent!!!!

 

Unbelievable!

To quote Public Enemy.........

"Fight the power, fight the powers that be" :D

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How can they justify taking 40% of any money that they recover?

 

Maybe we can set up a new campaign to claim back charges from the 'No win-No fee' sector.

 

I would love to see if they could justify what they charge!

PPMAN159

 

If this comment has helped please click on the scales.

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lmfao

 

Not a bad idea that, could be a niche in the market for it!!

 

Its the same sort of prinicple as those ad's you see in papers for companies that will do your SC60 tax returns for you but charge upwards of 25%, some even charge 50% but state a 7 day payout or something.

 

Ridiculous amount though!

To quote Public Enemy.........

"Fight the power, fight the powers that be" :D

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I am not against these companies per se; as some people like to be guided through the whole process; and be able to talk to someone that can put their mind at rest.

Also, these are unusual circumstances for most people, as such they may not be confident in their ability to litigate successfully.

 

Same reason why I go to a mechanic to service my car.... I could change the oil, filter...etc myself but I would rather be kicking a ball around so I pay someone to do it for me. However, if all the mechanics were charging more than £500 (figure will be different for everyone) for a service, then I would either get the Haynes manual from the library and get cracking....! Or try to find a cheaper mechanic.

 

All that said though.... 40% is a bit much! I would be willing to part with, say, 10-15% of the money if all the hassle was taken care of; but that is because I value my time differently to others.

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